LA2 Lancaster, Abbeystead, Aldcliffe, Aughton, Austwick, Bailrigg, Bay Horse, Caton, Clapham, Cockerham, Dolphinholme, Ellel, Farleton, Galgate, Glasson Dock, Halton, Hest Bank, High Bentham, Hornby, Quernmore, Tatham, Wharfe cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £266,957
Input Equity (£66,739)
Total Input Equity (£66,739)
Item On Purchase On Completion Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Property Price/Value £266,957 £266,957 £266,957 £266,957 £266,957 £266,957 £266,957 £266,957 £266,957 £266,957 £266,957 £266,957
Finance Amount £200,218 £200,218 £194,237 £187,949 £181,341 £174,394 £167,091 £159,416 £151,347 £142,865 £133,950 £124,579
Monthly Mortgage   (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321) (£1,321)
Monthly Rental   £645 £645 £645 £645 £645 £645 £645 £645 £645 £645 £645
Yield to Purchase Price %   2.90% 2.90% 2.90% 2.90% 2.90% 2.90% 2.90% 2.90% 2.90% 2.90% 2.90%
Yield to Property Value %   2.90% 2.90% 2.90% 2.90% 2.90% 2.90% 2.90% 2.90% 2.90% 2.90% 2.90%
Gross Monthly Cashflow   (£677) (£677) (£677) (£677) (£677) (£677) (£677) (£677) (£677) (£677) (£677)
Gross Annual Cashflow   (£8,120) (£8,120) (£8,120) (£8,120) (£8,120) (£8,120) (£8,120) (£8,120) (£8,120) (£8,120) (£8,120)
Gross Annual Expenses                        
Annual Management Expenses   (£433) (£433) (£433) (£433) (£433) (£433) (£433) (£433) (£433) (£433) (£433)
Gross Annual Cashflow less Expenses   (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507)
Vacancy Expenses                        
Net Annual Cashflow   (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507) (£8,507)
Net Yield %   (3.19%) (3.19%) (3.19%) (3.19%) (3.19%) (3.19%) (3.19%) (3.19%) (3.19%) (3.19%) (3.19%)
Debt Coverage Ratio (1:x)   0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46
Personal Equity £66,739 £66,739 £72,720 £79,008 £85,616 £92,563 £99,866 £107,541 £115,610 £124,092 £133,007 £142,378
Effective Gearing % 75.00% 75.00% 72.76% 70.40% 67.93% 65.33% 62.59% 59.72% 56.69% 53.52% 50.18% 46.67%
Potential Profit   (£8,553) (£2,572) £3,715 £10,324 £17,271 £24,573 £32,249 £40,318 £48,799 £57,714 £67,086
Return on Investment %   (12.82%) (3.85%) 5.57% 15.47% 25.88% 36.82% 48.32% 60.41% 73.12% 86.48% 100.52%
Cumulative Inflation Rate %     2.00% 4.04% 6.12% 8.24% 10.41% 12.62% 14.87% 17.17% 19.51% 21.90%
Real Potential Profit   (£8,553) (£2,521) £3,568 £9,717 £15,930 £22,212 £28,567 £35,001 £41,516 £48,119 £54,814
Real Return on Investment %   (12.82%) (3.78%) 5.35% 14.56% 23.87% 33.28% 42.80% 52.44% 62.21% 72.10% 82.13%